Health Insurance

Suncorp Health Insurance has flexible cover options to take the worry out of injury and illness. You can get cover for in-hospital treatments, everyday extras, or both, for a little extra peace of mind.

Take out a new Combined Hospital and Extras cover with Suncorp Health Insurance & get $200 off your policy^

Ends 15 April 2019. T&Cs apply^.

Important Product & Pricing Information.

All health funds review their covers at this time of the year. Please note that some features and the price for these covers will change from 1 April 2019. Find out more about these changes or call Suncorp Health Insurance on 13 11 55.

What is health insurance?

Most private health insurance lets you pick a level of cover to help pay some of the cost of medical services and treatments, such as in-hospital treatments and everyday health services like optical and dental. The kind and level of cover you choose often depends on your health or wellbeing needs and your budget.

You can buy Hospital and Extras as a combined cover for peace of mind, or you can choose Hospital only or Extras only. Taking out a Suncorp Health Insurance Extras policy means that every time you claim for an insured service or treatment, you’ll get 60% or 75% back depending on your product, up to the annual limit.

How much do you value your body?

Female 1: My most valuable thing would have to be our house.

Female 2: Probably my house.

Female 3: My apartment.

Female 4: My dog Archie.

Male 1: The most valuable thing I have would be my camera, it’s my tool for work, it’s probably the-financially the most valuable thing I have.

Male 2: My red sports car, you know, you need to have a sport car so I went out and bought that.

Female 5: The most expensive thing I own is my house, it’s a really nice house.

[On screen text]: What about your body?

Male 2: Mmm, yeah that’s super important.

Male 1: Uuumm

Male 3: That’s a very interesting question.

Female 3: I guess I picked a thing.

Female 1: It really probably, well definitely, is the most valuable thing that I have.

^This offer has been extended and is only available to new customers who take out a Suncorp Health Insurance combined Hospital & Extras policy between 01/02/19 – 15/4/19. The Offer will only be fulfilled to the primary policyholder after the policy has been held for 45 consecutive days from the end of the month that the Eligible Product was purchased in, providing the policy is paid up to date. The offer will be applied by advancing the date paid to by the value of $200 and will be referenced in the primary policyholders policy statement. Not available to existing AAMI, nib, Apia, Suncorp or Qantas Health Insurance customers or to previous policyholders who have joined and cancelled 6 months before or during the offer period. See full terms and conditions.

Useful tips from our experts

Hospital Cover

When you need to go to hospital it's Hospital Cover that helps pay for treatment as a private patient. Things like accommodation, intensive care, surgery and any prescription medication required for specific treatment when you’re in hospital are covered under Hospital Cover, depending on your level of cover.

Extras Cover

Extras Cover helps with common healthcare services not usually covered by Medicare. It's for services like dental check-ups, spectacles from the optometrist, and physio appointments if you pull a muscle.

Suncorp Health Insurance gives you peace of mind knowing you can access private treatment in Australia when you need it, without having to join a waiting list in a public hospital. Let's say you hurt your knee playing netball and need surgery - you can find a specialist and have the surgery in a private hospital without having to serve public hospital waiting times.

If you're concerned about tax, having private hospital cover could help you avoid the Medicare Levy Surcharge at tax time if you're eligible. Find out more

Suncorp private health cover offers:

Access to treatment in private hospitals

Avoiding public hospital waiting lists

Choice of which specialists treat you, when and where

No Lifetime Health Cover Loading fees if you have Hospital Cover by July 1 following your 31st birthday

Call us

Apply online

If your taxable income is above the Medicare Levy Surcharge thresholds, and you don’t have an appropriate level of private hospital cover, you may have to pay the Medicare Levy surcharge. It is usually an extra 1 – 1.5% of tax.Please see the Policy Booklet for more information.

Ambulance cover

If you need immediate medical attention and your condition means that you cannot be transported in another way, you are covered for:

Emergency Ambulance transport to hospital provided by a State or Territory Ambulance service anywhere in Australia

Emergency Ambulance call out fees (where the customer is treated at the scene by paramedics and it is determined that transport to hospital is not required)

Transport between hospitals when the transfer is required as a result of the existing hospital not specialising in the treatment required

100% of the cost. Additionally, no hospital excess is applicable for this service.

Waiting Period: 1 day

Disclaimer: Residents of Queensland and Tasmania who have Ambulance services provided by their State Ambulance Schemes are not covered by private health insurance.

Ambulance Cover (Unlimited Emergency)

If you need immediate medical attention and your condition means that you cannot be transported in another way, you are covered for:

Emergency Ambulance transport to hospital provided by a State or Territory Ambulance service anywhere in Australia

Emergency Ambulance call out fees (where the customer is treated at the scene by paramedics and it is determined that transport to hospital is not required)

Transport between hospitals when the transfer is required as a result of the existing hospital not specialising in the treatment required

100% of the cost. Additionally, no hospital excess is applicable for this service.

Waiting Period: 1 day

Disclaimer: Residents of Queensland and Tasmania who have Ambulance services provided by their State Ambulance Schemes are not covered by private health insurance.

Dental (Preventative)

Preventative dental treatment to help you maintain your oral health. This includes selected:

examinations

scale and clean

fluoride treatments

Waiting Period: 2 months

Disclaimer: For more diagnostic and preventative dental procedures see Dental (General).

Dental (General)

Diagnostic and other preventative procedures (not covered under Preventative dental) completed to help you keep on top of your oral health. This is routine dental that includes:

fillings

basic extractions (excluding wisdom teeth)

x-rays

Waiting Period: 2 months

Disclaimer: Doesn't include more complex treatments or procedures such as orthodontic work, endodontic treatment (root canal therapy), crowns or bridges. See Dental (Major).

Disclaimer: Benefits are only payable for consultations with a physiotherapist.

Chiropractic Osteopathy

Chiropractic treatment involves manipulation based therapy to treat conditions related to the nerves, skeleton and muscles. Osteopathic treatment includes manipulation of the body to promote mobility and balance. Chiropractors and osteopaths are useful for:

back and neck pain

sciatica

frequent headaches

joint pains and muscle strains

work-related, repetitive strain and sports-related injuries

Waiting Period: 2 months

Disclaimer: Benefits are only payable for consultations with a chiropractor or osteopath.

Natural Therapies

Treatments that work on the physical and emotional body to relieve pain and improve health and wellbeing. Services include:

Disclaimer: Benefits are only payable for consultations with your natural therapy practitioner.

Optical

Correction of visual impairment such as long or short sightedness. Examples of treatment include:

prescription glasses

contact lenses

Waiting Period: 6 months

Pharmaceutical Prescriptions

This benefit only covers Suncorp Health Insurance/nib approved items that are not part of the Pharmaceutical Benefits Scheme.

Waiting Period: 2 months

Exercise Physiology

The use of exercise (as prescribed by an Exercise Physiologist) as a treatment strategy in the physical rehabilitation of a patient. Exercise physiologists assist with:

disease prevention

injury rehabilitation

establishing and maintaining functional independence

Waiting Period: 2 months

Disclaimer: Benefits are only payable for consultations with an exercise physiologist.

Podiatry & Orthotics

Podiatrists specialise in the prevention, diagnosis and treatment of disorders and conditions of the feet and lower limbs. Orthotics are devices prescribed by a podiatrist that are placed into the shoe to control or correct abnormal lower limb motions and alignment. Conditions treated by a podiatrist include:

complications with arthritis affecting the legs and feet

skin and nail disorders

corns and calluses

ingrown toenails

Waiting Period: 2 months

Disclaimer: This cover is for podiatrist consultations and prescribed devices only. Benefits are not payable for surgery in a doctor's or podiatrist's rooms.

Antenatal & Postnatal Services

Antenatal refers to services provided before having a baby and postnatal refers to services provided after having a baby. The services provided are generally undertaken by a midwife but can also be taken by a physiotherapist and may include:

preparing for labour and birth

assisting with a baby that won't settle or breastfeed properly

Waiting period: 2 months

Disclaimer: Benefits are only payable for consultations with a midwife, physiotherapist or lactation consultant in private practice. Benefit paid at 100% of cost up to annual limit.

Dietary Advice

Dietitians and nutritionists educate people on appropriate diet, menu planning and preparation of food to enhance and maintain optimum health.

Waiting Period: 2 months

Disclaimer: Benefits are only payable for consultations with a dietitian or nutritionist. Food items are not covered.

Home Nursing

Services provided by a registered nurse in private practice for the treatment of illness, disease, incapacity or disability. This service includes:

wound management

removal of sutures

pain management

Waiting Period: 2 months

Disclaimer: Benefits are not payable for services such as Mothercraft, Tresillian or Karitane nursing or nurse-housekeeper during recovery after illness.

Health Aids

A range of artificial and health aids that may assist in everyday living. Examples include:

blood pressure monitor and coagulation checks (blood clots)

hip, knee, ankle, foot and ankle-foot orthoses

finger, hand, arm & elbow orthoses/splints

nebuliser and spacers (asthma)

Waiting Period: 12 months

Psychology

Group or individual consultations with a psychologist. Psychology services are commonly sought for:

marital, family or relationship problems

stress or pain

fears, phobias, anxiety and panic attacks

sexual difficulties

eating and weight control problems

Waiting Period: 2 months

Disclaimer: A benefit is not payable for tests (e.g. psychometric testing).

Occupational Therapy

Therapy which assists people to overcome limitations caused by injury or illness, emotional or psychological difficulties, developmental delay or the effects of aging. This can include:

rehabilitation in skills of self-care

physical rehabilitation

cognitive and memory assessment

stress management and relaxation

Waiting Period: 2 months

Disclaimer: Benefits are only payable for consultations with an occupational therapist.

Speech Pathology

The diagnosis, management and treatment of people who are unable to effectively communicate or who have difficulty with feeding and swallowing. Speech pathologists help a range of people, including:

kids who have difficulty making themselves understood verbally

those who stutter

stroke sufferers

Waiting Period: 2 months

Disclaimer: Benefits are only payable for consultations with a speech pathologist.

Disclaimer: Benefits are only payable for consultations with an orthoptist.

Hearing Aids & Speech Processors

A hearing aid is a battery-powered, electronic device that makes listening easier for people with hearing loss. Benefits are payable for speech processors (the external component of a cochlear implant) when the processor is replaced as part of an out-patient procedure.

Waiting Period: 36 months

Disclaimer: A benefit is not payable for cochlear speech processor.

Cochlear Implant Surgery & Bone Anchored Hearing Devices

A cochlear implant is a surgical treatment for hearing loss that works like an artificial human cochlea in the inner ear, helping to send sound from the ear to the brain. It is different from a hearing aid, which simply amplifies sound. Includes associated speech and sound processors including upgrades.

Waiting Period: 12 months (2 months for ailments/conditions that are not pre-existing)

Healthier Lifestyle

This benefit is designed to allow you to claim on items that assist your health and wellbeing as prescribed by your GP or nib recognised provider. Benefits are payable for the following services:

gym memberships

yoga and pilates classes

personal training

weight management programs (Jenny Craig, Weight Watchers)

Waiting Period: 6 months

Disclaimer: To claim on health management items, you'll need your GP or nib registered provider to sign a Health Management Program Supporting Evidence form. This cover is for consultations only (food or supplementary items are not covered).

Preventative Tests

Screening tests to help with the early detection of health conditions. These tests can include:

thin prep (additional testing following a pap smear)

bowel screening

bone density testing

Waiting Period: 6 months

Accidental Injury

The immediate necessary treatment required as a result of an accident. To be covered for the Accidental Injury Benefit, you must provide documented proof that you have sought treatment at a hospital emergency department within 24 hours of the Accident. The Emergency Department attendance is classed by the Australian Department of Health as an outpatient service, not a hospital admission, and therefore it is not payable by the Fund. The Accidental Injury Benefit covers further treatment in hospital as an admitted patient, where you are re-admitted to a hospital within 90 days of the initial visit. For example:

If you were sent home from the Emergency Department before returning within 90 days to be admitted as an inpatient for further treatment relating to the original accident.

Waiting period: 1 day

Appendix Removal

Treatment for appendicitis (inflamed appendix). This includes:

Surgical removal of the appendix.

Waiting period: 12 months (2 months for ailments/conditions that are not pre-existing)

Colonoscopies

Medical procedure to examine the large intestine (colon) and/or to diagnose and investigate:

cancer of the colon (bowel cancer)

colon polyps

unexplained abdominal pain

Waiting Period: 12 months (2 months for ailments/conditions that are not pre-existing)

Dental Surgery

Teeth extractions where a hospital admission is required for a general anaesthetic. This may include:

surgical removal of impacted wisdom teeth

Waiting Period: 12 months (2 months for ailments/conditions that are not pre-existing)

Gastroscopies

Medical procedure to examine the oesophagus (throat), stomach and duodenum (first part of the small intestine). Gastroscopies can be used to diagnose and investigate:

difficult or painful swallowing

pain in the stomach

bleeding

ulcers

cancers

Waiting Period: 12 months (2 months for ailments/conditions that are not pre-existing)

Disclaimer: You will not be covered for Cancer surgery and in-hospital cancer treatment if it relates to an excluded service on your hospital cover. For example if Eye treatment & surgery is excluded on your hospital cover then cancer of the eye would also not be covered.

Stroke Treatments

Treatment for a stroke. A stroke or CVA is the rapid loss of brain function(s) due to disturbance in the blood supply to the brain. This can be due to lack of blood flow (ischemia) caused by a:

blockage (thrombosis, arterial embolism)

haemorrhage

Waiting Period: 12 months (2 months for ailments/conditions that are not pre-existing)

Heart Procedures

The medical treatment or surgical procedure for cardiac conditions such as heart disease, arrhythmias, congenital defects. This may include:

surgical insertion of pacemakers and defibrillators

stent insertion

coronary angioplasty and artery bypass grafts

heart transplants

operations for congenital defects and heart valve defects

Waiting Period: 12 months (2 months for ailments/conditions that are not pre-existing)

Palliative Care

The care of patients with serious illness to relieve pain. Palliative Care:

provides relief from pain and other distressing symptoms

does not hasten or postpone death

supports people to live as actively as possible until death

Waiting Period: 2 months

Rehabilitation

Physical therapy and exercise treatment at a rehabilitation facility following an inpatient admission. This may include:

stroke recovery

strengthening of joints and limbs

cardiac rehabilitation

Waiting Period: 2 months

Back Surgery

Surgery to treat back abnormality or injury. This includes:

spinal fusion

discectomy (surgical removal of a herniated disc)

Waiting Period: 12 months (2 months for ailments/conditions that are not pre-existing)

Joint Replacement

Surgery to replace a joint in the body with an artificial prosthesis. This can be the replacement of the entire joint or a component of it. This may include the replacement of the:

hip

knee

shoulder

Waiting Period: 12 months (2 months for ailments/conditions that are not pre-existing)

Eye Treatment

Surgery and treatment relating to the eye. This may include:

cataract removal

lens-related services

Waiting Period: 12 months (2 months for ailments/conditions that are not pre-existing)

Renal Dialysis

Treatment to replace the function of the kidneys. Primarily used by people with temporary or permanent renal failure.

Waiting Period: 12 months (2 months for ailments/conditions that are not pre-existing)

Obesity and weight loss surgery

Surgery to reduce the capacity of the stomach as a treatment for morbid obesity. This may include:

gastric banding surgery

stomach bypass

Waiting Period: 12 months (2 months for ailments/conditions that are not pre-existing)

Assisted Reproductive Services

Inpatient services relating to egg retrieval and implantation. This includes:

IVF

GIFT

Waiting Period: 12 months (2 months for ailments/conditions that are not pre-existing)

Disclaimer: Any consultations with an obstetrician and ultrasounds in the lead up to delivery attract a Medicare rebate only. Outpatient specialist fees or other outpatient fees in relation to assisted reproductive services (for example, laboratory and storage fees) are not covered.

Infertility Investigations

Surgery to investigate a female's fallopian tubes and the condition of uterus and ovaries in relation to infertility. It can also treat conditions effecting fertility such as:

endometriosis

tubal microsurgery

removal of fibroids

correction of uterine abnormalities

Waiting Period: 12 months (2 months for ailments/conditions that are not pre-existing)

Pregnancy & Birth Services

Inpatient services relating to childbirth or complications during pregnancy. This may include:

child birth

early labour

pregnancy induced diabetes

hypertension

Waiting Period: 12 months (2 months for ailments/conditions that are not pre-existing)

Psychiatric Treatment

Treatment of mental illness or addiction in a psychiatric facility. This may include treatment for:

mood disorders

eating disorders

drug and alcohol detoxification

addiction therapy

Waiting Period: 2 months

Cosmetic Surgery

Under all Suncorp Health Insurance covers, no benefits are payable towards procedures or hospital costs associated with cosmetic surgery to enhance appearance.

Excess

You can choose $250 or $500 as your hospital excess for the top two hospital covers (Suncorp Health Insurance Everyday Plus and Suncorp Health Insurance Top Hospital cover).

This is the amount you agree to pay toward your hospital admission, before we pay a benefit.

Choosing a higher excess will reduce the cost of your premiums.

Each adult on the policy will only pay one excess per calendar year if they go to hospital, no matter how many admissions they may need. There is no hospital excess for dependent children under 21 years of age.

Orthodontia

A form of specialty dentistry focusing on realigning teeth and bites. Examples include:

braces

plates

Waiting Period: 12 months

Disclaimer: The annual limit on this service for Suncorp Health Insurance Mid Extras starts at $500 and increases by $100 per calendar year to $1,700 lifetime limit. The annual limit on this service for Suncorp Health Insurance Top Extras starts at $800 and increases by $100 per calendar year to $2,600 lifetime limit.

A Suncorp team member will call you back

You've reached us outside of business hours!

Please enter your details below and we'll call you back within 3 business days.

This is a free service and your number won't be used for any marketing purposes.

Simply enter your details below, and we'll call you back. This is a free service and your number won't be used for any marketing purposes.

Request a callback is not available. Please try again later.

Please wait while the form is loading.

Your name

First name

Last name

Your contact number

Australia only. Please include area code - eg. - "07" - for landlines

Postcode

Your personal information is collected, used and disclosed in accordance with our Privacy Policy.

Please be advised that your call will be recorded.

Switching from another private health fund

We'll recognise waiting periods you've already served for equivalent services with your current fund, which is great - it means you can claim straight away and not be disadvantaged for these services.

However, you may be required to serve a waiting period for benefits on your new private health insurance policy that aren't covered by your existing fund, including any increase in annual limits. Any benefit limits already used with your current health fund will apply to your Suncorp Health Insurance Policy. For more information read the Policy Booklet.

Products and services including banking, superannuation and insurance (including home and car insurance but not life insurance) are provided by separate companies in the Suncorp Group. Suncorp Bank (Suncorp-Metway Ltd ABN 66 010 831 722 ) is only liable for the banking products or services it provides and not the products and services of other companies in the Suncorp Group.

Life insurance is provided by Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229 880 (Asteron). Asteron is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Suncorp is a distributor of Life Insurance products issued by Asteron. The different entities of TAL and the Suncorp Group are not responsible for, or liable in respect of, products and services provided by the other.